Call a Reconsideration Line for a Second Chance at a Credit Card

Getting rejected for a credit card is always a low-blow, particularly if you're on hard times. However, many banks have a reconsideration line you can call to talk out your case.

We've talked before about how a reconsideration letter might help your case, but many banks also have dedicated (and somewhat hidden) phone lines you can call to discuss your case with a real person. Trying to convince a human to open up a line of credit for you may be much easier than putting your credit history into a computer and hoping the right results come out. Here are a list of several reconsideration lines for various major banks, courtesy of finance blog The Points Guy:

American Express
(877) 399-3083? New Application Status
(866) 314-0237? Main Application Reconsideration Line
(800) 297-3276? General Membership Rewards Line
Online Application Status Check
Twitter:@AskAmex

Bank Of America
(866) 458-8805? General Account and Reconsideration Line
(877) 721-9405? Personal Application Status Line, dial option 3
(800) 481-8277? Business Application Status Line
Online Application Status Check
Twitter:@BofA_Help

Barclay?s Credit Card
(888) 232-0780? General Card Services and Application Line, dial option 3 for application status
(866) 408-4064? Credit Line Questions
Online Application Status Check
Twitter:@BarclayCard

Capital One
(800) 625-7866? Application Services Line
(800) 951-6951? General Customer Service, automated
(800) 548-4593? General Customer Service and Application Line, automated
Twitter:@AskCapitalOne

Citibank Credit Card
(800) 695-5171? Personal Application Status and Reconsideration Line with live rep
(800) 763-9795? General Personal Application Inquiries with live rep
(800) 645-7240? Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(800) 288-4653? Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(866) 606-2787? General Application and Account Questions with live rep
Twitter: @AskCiti

US BANK
(800) 947-1444 - Credit Card Underwriting Services, automated
Twitter: @AskUSBank

If your bank isn't on the list, try checking their site or calling a customer service number and asking if there's someone you can talk to. You may have to do some digging. Also, remember, when talking to reps on the phone that they have total power to deny your application. You're not reporting an error on their part, so be courteous for best results.

Credit Card Application Reconsideration Line Phone Numbers & Application Status Links | The Points Guy

Photo by David Huang.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/T1fSfJG9wQg/call-a-reconsideration-line-for-a-second-chance-at-a-cr-840189642

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